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HR 3763 111th Congress House Finance and Financial Sector Accounting and auditing Administrative law and regulatory procedures Banking and financial institutions regulation Computer security and identity theft Consumer affairs Consumer credit Federal Trade Commission (FTC) Health personnel Lawyers and legal services Small business

To amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses.

Introduced: October 8, 2009 See on congress.gov
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 10 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 21, 2009
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Oct 20, 2009
Motion to reconsider laid on the table Agreed to without objection.
Oct 20, 2009
On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 400 - 0 (Roll no. 790). (text: CR H11467)
Oct 20, 2009
Considered as unfinished business. (consideration: CR H11479-11480)
Oct 20, 2009
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
Oct 20, 2009
DEBATE - The House proceeded with forty minutes of debate on H.R. 3763.
Oct 20, 2009
Considered under suspension of the rules. (consideration: CR H11467-11469)
Oct 20, 2009
Mr. Adler (NJ) moved to suspend the rules and pass the bill.
Oct 8, 2009
Referred to the House Committee on Financial Services.
Oct 8, 2009
Introduced in House
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
Oct 20, 2009 House · vote #790 On Motion to Suspend the Rules and Pass Passed 400–0 See who voted →
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 Plain-English summary Congressional Research Service

(This measure has not been amended since it was introduced. The summary of that version is repeated here.)

Amends the Fair Credit Reporting Act with respect to the duties of users of consumer reports who take adverse actions on the basis of information contained in such reports.

Excludes any health care practice, accounting practice, or legal practice with 20 or fewer employees from the meaning of creditor subject to Red Flag Guidelines regarding identity theft promulgated by the proper federal financial regulatory agency.

Excludes any other business which the Federal Trade Commission (FTC) determines: (1) knows all its customers or clients individually; (2) only performs services in or around the residences of its customers; or (3) has not experienced incidents of identity theft, and identity theft is rare for businesses of that type. States that such exclusion shall no longer apply to any business that can no longer meet such eligibility criteria.

What's happening now October 21, 2009

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Related & companion bills 1
  • S 3416 Identical bill A bill to amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain business…
 Bill text 3 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 2
All 2 Republican 1
Lee, Christopher
· Oct 15, 2009
 R
Simpson, Michael K.
Idaho · Oct 8, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3763: To amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses.. 111th Congress. Open America. https://openamerica.io/bill/111-HR-3763/
MLA
"H.R. 3763: To amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses.." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-3763/.
Bluebook (legal)
H.R. 3763, 111th Cong. (2026), https://openamerica.io/bill/111-HR-3763/.
Markdown link
[H.R. 3763: To amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses.](https://openamerica.io/bill/111-HR-3763/)
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